Newbies' 10K in 2010 Challenge!! :)

bazwod

And Sally you're a police person too? They're really must be something in it then. Maybe we should demand more pay.... JOKING ALL!! Either way, we're lucky to think that our jobs are recesssion proof although our 'company' has got massive budget cuts to make this year. Scary stuff, as it is for everyone I guess.

Come join the early start!! And good luck with those dresses!!

bazwod

And hope y;all have a nice evening too. Another quiet one for me!!

tlc123_2

They def don't pay enough (although we probation officers can't really complain as its not bad at all - I just spend more!!).
Threat of redundancies is def upon us...haven't even considered that as a possiblity.... Oh well - someones got to work with offenders so it may as well be me!

Am still sorting out my debts - which ones on crap APRs etc and therefore what i can do with them, but 01/01/10 here I come!!!!

shadydaz

You've created a monster Chris...

LOL

mjb197298

Posted this earlier, but not sure i posted it in the right place, this is my first post.

Im hoping someone may be able to give us some help on this problem please.

We have two outstanding loans, one for £11,000 and the other for £7,000. The first one, we have had for about a year, the other one for about 6 months. When we took them out, we took them over the smallest period we could afford to get them paid quicker. We are now paying £720 p/m for these two loans. Although we can afford these payments and are not struggling to pay them, my husband is in the forces and we are hoping to buy a house next year and settle in one area, but cannot afford a mortgage ontop of this £720 we already pay!! We have been to our bank to try to combine the two loans and extend over a longer period but they turned us down due to our credit score. That was about 3 months ago and since then we have had credit expert and our score is now in the good zone, so we applied with Sainsburys today for a loan of £18,000 over 6 years to take the payments down and were turned down again, they wouldnt tell us why. The problem now is, that i dont want to keep applying to different companies and it having an adverse impact on our recently acquired credit score, but without extending the loans we cant afford a mortgage. I dont know what to do. Hope someone can help are there any companies with easier criteria?

kevboy_telford

Hi

Old lurker, but only just joined as such.....
am going for this - have got a £20k loan so to pay 1/2 it off in 1 year would be brilliant as wife wants to stop working.:rotfl:
looking forward to tomorrow to see if there is any money coming back from the bank charges - does that count towards the £10k???
ideas to help people - try doing online comps - I have made £3k in 2 years so hope my luck gets better but its money saved (as have won year supply of washing powder recently)

Kevin

Chriscjc2002

Hi Gembaxter! :beer:

Bazwod - Thanks hun yeah its feeling a bit better just got to do some certain exercises on it and have some physio, just got to be real careful on it for a few weeks - which is going to set me back ....but hey ho what can you do. TLC is the cure for everything hehe . I'll ignore the passage about strictly come dancing.....that programs rubbish

Haha!! i rock! i should be in the police with those detecive skills :P infact that was a career option of mine and may still feature in my plans, we will see. NO overtime!! im shocked, i thought they were drowning you in overtime!?! what force you in?

I design things for the building services world.....valves and that sort of thing.....*yawn*.......somebody put me down lol

Sallymander - Hey hows things? .....jesus I best watch myself on here with all these cops around......still, thats alot of pairs of handcuffs lol

Its going pretty slow tbh, im putting out speculative adverts but i want to make sure there is a car out there suitable to my needs before i loose the other one - i have a 40 minute commute to work so i would be lost without a car!! As long as its gone by new year ill be happy

Think all the stuff im going to sell on ebay im going to use to pay back bank of M&D so at leat i can then start my challenge without that looming over my head too!

Shadydaz- Hey mate!....I know......lol

Wonder how many posts this will have by this time next year lol!

mjb197298 - Hello and thanks for posting on this thread, but unfortunately I dont know how to help you there - hopefully someone can point you in the right direction. I reckon there is a seperate thread for credit?? Have a check in the list. Good luck with your problem

kevboy_telford - Hey Kev!! welcome to the challenge mate!

Yeah that counts mate - Really wondering whats gonna happen today at the hearing?

Iv got a claim in with Lloyds for over £4k - im hoping to get my hardship information off this week, just hoping I qualify!!


Anyway - got a meeting now - Hope you all have a good day!!

Star2018

Hey I was already planning to do this, but its a hell of a lot easier with the backing of all you lot! I have been a fan of MSE before I turned the big 18! So I have only got £100 on a CC and my car on finance. So wouldn't like to think where I would be without all this advice! But anyway enough waffling I would like to have 10k to put towards a deposit for a house by 2010.

Now I do have a bit of a head start as my mum has a policy maturing in August 2010 so thats 3k, but instead of it sitting all lonely in the bank I would love it to be that little boost when things are getting tough and dark and cold and miserable!!

So lets do this!

ragstoricheswannabe

ooh, has everyone started already?!?!?!?! thats what i get for not subscribing when i joined!!!!

cant believe most are in the police force..........hats off to you all though!!!! i am a nurse so can symathise with all the paperwork you have to do now! sneeze and you need a signiture now a days......:rotfl:

so how is everyone planning on upping their income??? mine will be overtime, the dreaded ebay, and saving in day to day bills and shopping.

love rags
xxxxxx

webitha

right have had a read of this thread, and i wanna join please.

I worked out my debts as of the 1st jan and they are down to just a few pounds over £5k :j:j:j:j:j, so i want to pay that off and be completely debt free and continue to save the other £5k, so hopefully this time next year rodney.......:rotfl:
not only debt free but savings too, wow that would be nice